Diseño de un modelo de negocio Fintech innovador para incentivo de ahorro inteligente y transferencia del ahorro en fechas específicas en la Cooperativa de Ahorro y Crédito Magisterio de Pichincha

Abstract

Abstract:Financial institutions are modernizing according to the changes and needs of the digital market. The objective of the thesis was to design an innovative Fintech business model to encourage smart savings and transfer savings on specific dates at the "Magisterio de Pichincha" Savings and Credit Cooperative. The methodology used was quantitative, descriptive, and analytical. The information used was the financial statements issued by the SEPS (Spanish Securities and Exchange Commission), which allowed for the calculation of financial indicators such as liquidity, solvency, delinquency, profitability, among others. The results of the research determined that the COAC requires modernization and automation of services. According to the financial statement report, problems were identified in portfolio management, delinquency, and investments. A scheduled savings product was selected to allow the introduction of Fintech. The Canvas model, in estimating costs and revenues, allowed us to determine an NPV and IRR greater than 0, as well as the opportunity cost rate, ensuring that this model is feasible.